JP2018524699A - Service processing method and device - Google Patents

Abstract

One or more data interactions for receiving a service processing request including data interaction processing mode information and account information, and executing the service processing request based on the service processing request. Determining candidate processing modes. Data interaction processing mode candidates are determined from a plurality of data interaction processing modes. Each of the data interaction processing modes includes processing parameters, at least one of which is different between different data interaction processing modes. Each of the one or more data interaction processing mode candidates has an associated processing success rate based on the processing history record of the data interaction processing mode. The method also includes the step of determining a data interaction processing mode candidate as a data interaction processing mode for executing the service processing request based on the processing success rate.

Description

[Cross-reference to related applications]
This application is filed with Chinese Patent Application No. 201510415993.3 (Title of Invention “Service Processing Method and Apparatus”) filed on July 15, 2015 and US Patent Application No. 15 filed on July 13, 2016. / 208,880 (claimed “Service Processing Method and Device”) claiming the benefit of priority, both applications are hereby incorporated by reference in their entirety.

  The present disclosure relates to the field of information technology, and in particular, to a service processing method and device.

  With the development of information technology, service processing tends to be internationalized. Due to the different service processing standards and requirements in different countries or regions, service processing errors frequently occur in international service processing.

  In a conventional service processing procedure, after a user terminal transmits a service processing request to the server, the server processes a data interaction processing mode that matches the service processing request, and processes the service processing request of the user terminal. Determine the data interaction processing channel. Actually, in many cases, a plurality of data interaction processing modes that match a service processing request from a user terminal can be used. In such a case, in general, the server selects the data interaction processing mode randomly or based on processing parameters input or selected by the user. For this procedure, service processing errors occur frequently, affecting the success rate of service processing and the efficiency of processing.

  Frequent errors in service processing seriously hinder the growth of international services. Therefore, it is necessary to solve the problems of low success rate and low efficiency of service processing.

  The present disclosure provides a service processing method and device for solving the problems of low success rate and low efficiency of service processing in the prior art.

  In one embodiment of the present disclosure, a server receives a service processing request including data interaction processing mode information and account information from a user terminal, and the server processes the service processing request based on the service processing request. Determining a candidate for one or more data interaction processing modes for performing. The candidate for the one or more data interaction processing modes is determined from the plurality of data interaction processing modes. Each of the plurality of data interaction processing modes includes a processing parameter, and at least one of the processing parameters is different between different data interaction processing modes of the plurality of data interaction processing modes.

  Each of the one or more data interaction processing mode candidates has an associated processing success rate based on the processing history records of the plurality of data interaction processing modes. In the service processing method, the server executes the service processing request for the data interaction processing mode candidate based on the processing success rate of each of the one or more data interaction processing mode candidates. And determining the data interaction processing mode.

  One embodiment of the present disclosure is defined as a service processing device comprising a processor and a non-transitory memory storing instructions executable by the processor. The instruction is for the service processing device to receive a service processing request including data interaction processing mode information and account information from a user terminal, and to execute the service processing request based on the service processing request. Determining one or more data interaction processing mode candidates. The candidate for the one or more data interaction processing modes is determined from the plurality of data interaction processing modes. Each of the plurality of data interaction processing modes includes a processing parameter, and at least one of the processing parameters is different between different data interaction processing modes of the plurality of data interaction processing modes.

  Each of the one or more data interaction processing mode candidates has an associated processing success rate based on the processing history records of the plurality of data interaction processing modes. In addition, the command causes the service processing device to execute the service processing request for the data interaction processing mode candidate based on the processing success rate of each of the one or more data interaction processing mode candidates. The data interaction processing mode is determined.

  One embodiment of the present disclosure is defined as a non-transitory computer readable recording medium having recorded computer executable instructions. When executed by the processor of the service processing device, the instructions are received by the server by the server from the user terminal from the user terminal and received a service processing request including data interaction processing mode information and account information. Determining a candidate for one or more data interaction processing modes for executing the service processing request based on the service processing request. The candidate for the one or more data interaction processing modes is determined from the plurality of data interaction processing modes. Each of the plurality of data interaction processing modes includes a processing parameter, and at least one of the processing parameters is different between different data interaction processing modes of the plurality of data interaction processing modes.

  Each of the one or more data interaction processing mode candidates has an associated processing success rate based on the processing history records of the plurality of data interaction processing modes. In the method, the server uses the data interaction processing mode candidate to execute the service processing request on the basis of the processing success rate of each of the one or more data interaction processing mode candidates. The step of determining the interaction processing mode is also included.

  Therefore, in the embodiment of the present disclosure, the data interaction processing mode may be selected based on the determined processing success rate of each data interaction processing mode candidate in order to process the service processing request of the user terminal. Is clear. This incorporates the teachings disclosed herein and provides an improvement to the success rate and efficiency of service processing by the server.

  The foregoing and other objects, features and advantages of the present disclosure will become apparent from the following description of the embodiments illustrated in the accompanying drawings. In the accompanying drawings, reference characters refer to the same parts throughout the different views.

5 shows a flowchart of a service processing method according to an embodiment of the present disclosure.

5 shows a flowchart of a service processing method according to an embodiment of the present disclosure.

5 shows a flowchart of a service processing method according to an embodiment of the present disclosure.

FIG. 3 shows a schematic structural diagram of a service processing device according to an embodiment of the present disclosure;

  According to the present disclosure, after receiving the service processing request from the user terminal, the server determines at least one data interaction processing mode candidate, determines a processing success rate of each data interaction processing mode candidate, and each data interaction The data interaction processing mode for processing the service processing request of the user terminal is determined based on the processing success rate of the processing mode candidate. Therefore, according to the embodiment of the present disclosure, the data interaction processing mode may be selected to process the user terminal service processing request based on the determined processing success rate of each data interaction processing mode candidate, This improves the success rate and efficiency of service processing.

  Hereinafter, embodiments of the present application will be described in more detail with reference to the drawings.

  FIG. 1 shows a flowchart of a service processing method according to an embodiment of the present disclosure. The embodiment includes the following steps.

  Step S101 is receiving a service processing request from the user terminal by the server. In actual application, the user terminal initiates a service processing request to the server based on a trigger action by the user. The service requested by the service processing request may be information acquisition, video / audio acquisition, payment service, or the like.

  The step S102 determines at least one data interaction processing mode candidate for processing the service processing request based on the service processing request, and the processing history acquired for each data interaction processing mode candidate And determining a processing success rate of each data interaction processing mode candidate based on the record. Each data interaction processing mode is characterized by processing parameters. At least one different processing parameter exists between different data interaction processing modes.

  In actual application, the server determines at least one data interaction processing mode that can satisfy the service processing request based on the service processing request from the user terminal. The data interaction processing mode is represented by a combination of various processing parameters. The data interaction processing mode and the data interaction processing channel described below may be determined by a determination engine in the server. In one exemplary embodiment of international payments, one data interaction processing mode includes various processing parameters such as a Card Verification Value (CVV), billing address, 3D verification and US dollar settlement. 3D verification is an online payment security authentication service that was introduced to improve online payment security of credit or debit cards, guarantee the cardholder's online payment security, and protect the cardholder's interests. For non-3D verification processing, 3D verification is not necessary. Another data interaction processing mode includes various processing parameters such as CVV, billing address, 3D verification and euro settlement. The difference between the two data interaction processing modes exists in the processing parameter of the settlement currency. Specifically, the former is settled in US dollars and the latter is settled in euros.

  The processing success rate of each data interaction processing mode candidate that satisfies the service processing request is determined based on the acquired processing history record for the data interaction processing mode candidate. In one embodiment, for each data interaction processing mode candidate, the processing success rate for that data interaction processing mode is determined based on the stored processing history record for that data interaction processing mode. In one embodiment, for each data interaction processing mode candidate, the processing success rate for that data interaction processing mode is determined based on the processing history record for the data interaction processing mode that matches the account that initiated the service processing request. The The latter is a preferred embodiment of the present disclosure.

  Specifically, the step matches the account information generated for each data interaction processing mode candidate within a predetermined period and held in the data interaction processing mode candidate and the service processing request. It is to obtain a processing history record. In one embodiment, the account information includes account ID information and / or account attribute information.

  The acquired processing history record includes a plurality of records, and each record reflects one processing procedure and its result. As more records are collected from the acquired processing history records, the calculated processing success rate becomes more accurate. In one embodiment, when determining the data interaction processing mode, a priority is given to a processing record that matches the account ID information held in the service processing request in order to determine the processing success rate of the data interaction processing mode. The If there are few process records that match the account ID information (that is, the number of process records is not statistically significant), account attribute information in the service process request to determine the process success rate in the data interaction process mode A process record that matches (for example, account type, account registration service side, etc.) is acquired. For example, if payment data for the history of an international credit card that initiates a payment request can hardly be acquired, historical payment data for the same issuing bank, the same card brand, the same card type, and a bank identification number (BIN) is acquired. And may be used.

  In one embodiment, when determining the processing success rate in the data interaction processing mode based on the acquired processing history record, the number of successful processings recorded in the acquired processing history record is determined to determine the processing success rate. Divided by the total number of processes. In one embodiment, the process success rate is predicted using time sequence prediction, i.e., statistics for the process success rate at a series of past points in time are calculated. The processing success rates are arranged in time order, that is, in time series, and the time-varying pattern of processing success rates is identified by analyzing the time series to obtain a model, and the service processing success rate is Based on this obtained model, it may be predicted.

  Step S103 is to determine the data interaction processing mode for processing the service processing request of the user terminal based on the processing success rate of each data interaction processing mode candidate. In one embodiment, the candidate data interaction processing mode with the highest processing success rate is selected to process the user terminal service processing request. In one embodiment, a data interaction processing mode for processing a user terminal service processing request is determined by at least one of the following two exemplary methods.

  Method 1 is to select a data interaction processing mode having the highest processing success rate in order to process a service processing request of the user terminal from various data interaction processing mode candidates.

  Method 2 is to determine a data interaction processing mode for processing the service processing request of the user terminal based on the processing success rate of each data interaction processing mode candidate and user feedback.

  Specifically, the stage may allow the user to select a processing parameter (eg, US dollar settlement or euro settlement) and / or enter a processing parameter (eg, a specific billing address). Sending a parameter verification command message to the user terminal based on the processing success rate of each data interaction processing mode to command. Also, the step determines a data interaction processing mode for processing a service processing request of the user terminal based on parameter information of processing parameters selected and / or input by the user and fed back through the user terminal. including.

  For method 2, the user may be prompted to select a processing parameter and / or enter a processing parameter based on the processing success rate for each data interaction processing mode. Processing parameter selection priority information is displayed to the user. For example, if the determined data interaction processing mode with the highest processing success rate includes processing parameters such as US dollar settlement, the user may give priority to US dollar settlement during the selection of the settlement currency. May be ordered. In addition, the user may be prompted to input necessary parameter information regarding the data interaction processing mode having the highest processing success rate. For example, the data interaction processing mode having the highest processing success rate includes processing parameters such as CVV and billing address in addition to processing parameters such as US dollar settlement. As such, the user may be instructed to enter CVV information and a specific billing address.

  In some embodiments, a data interaction processing mode for processing a service processing request of a user terminal is determined based on parameter information of processing parameters selected and / or entered by the user and fed back through the user terminal. Determining from the at least one candidate data interaction processing mode a data interaction processing mode that matches the parameter information of the processing parameter selected and / or entered by the user, and selecting and / or inputting by the user In order to process the service processing request of the user terminal from the determined data interaction processing mode that matches the parameter information of the processed processing parameter, Selecting a Rakushon processing mode, including.

  In actual application, the user does not necessarily have to select processing parameters and input parameters according to a prompt (prompted) from the server. For example, in the above process, the user may select euro settlement instead of US dollar settlement, but may not enter CVV information and / or a specific billing address according to instructions from the server. In determining the final data interaction processing mode, the data interaction processing mode having the highest processing success rate is selected from the data interaction processing mode that matches the processing parameter selected by the user and / or parameter information input by the user. Selected.

  The final processing success rate is affected by the data interaction processing channel (including service interface information for processing service processing requests) in addition to the data interaction processing mode. Hereinafter, selection of the data interaction processing channel will be described.

  FIG. 2 shows a flowchart of a service processing method according to an embodiment of the present disclosure. The method includes the following steps.

  Step S201 is receiving a service processing request from the user terminal by the server.

  In step S202, at least one data interaction processing mode candidate for processing the service processing request is determined based on the service processing request, and the processing history acquired for each data interaction processing mode candidate Determining a success rate of candidates for each data interaction processing mode based on the record, wherein at least one different processing parameter exists between the different data interaction processing modes.

  In one embodiment, the process of acquiring candidate processing history records for each data interaction processing mode is generated within a predetermined period for each data interaction processing mode candidate, and the data interaction processing mode and service Obtaining a processing history record that matches the account information held in the processing request. In one embodiment, the account information includes account ID information and / or account attribute information.

  Step S203 is to determine the data interaction processing mode for processing the service processing request of the user terminal based on the processing success rate of each data interaction processing mode candidate.

  In one embodiment, the step includes selecting a data interaction processing mode having the highest processing success rate from various data interaction processing modes in order to process a service processing request of the user terminal. In one embodiment, the step includes transmitting a parameter verification command message to the user terminal based on the processing success rate of each data interaction processing mode candidate, the parameter verification command message for the user And / or instructions to enter processing parameters and steps are selected by the user and / or entered by the user and fed back through the user terminal Determining a data interaction processing mode for processing the user's service processing request based on the parameter information of the processing parameter.

  Step S204 determines at least one data interaction processing channel candidate that matches the data interaction processing mode determined for processing the service processing request and the service processing request of the user terminal, and each data interaction processing. For the channel candidates, the processing success rate of each data interaction processing channel candidate is determined based on the acquired processing history record. The data interaction processing channel includes service interface information for processing a service processing request.

  In this specification, the data interaction processing channel in the embodiment of the present disclosure is necessary for processing a service requested by a user for a data interaction processing mode determined to process a service of a user terminal. It refers to various service interface information. For example, for payment services, the data interaction processing channel may be different channel interface information for international card payment channels (channel W, channel H, channel C), local card payment channels (channel Y, channel E, channel G). Different channel interface information, and service interface information from a third party payment company.

  In one embodiment, the process for acquiring candidate process history records in each data interaction processing mode in this embodiment is as follows, similar to the acquisition of process history records in each data interaction processing mode described above. is there.

  The processing is generated for each data interaction processing channel candidate within a predetermined period, and the data interaction processing channel candidate, the account information held in the service processing request, and the service processing request of the user terminal And obtaining a processing history record that matches the data interaction processing mode determined for processing. In one embodiment, the account information includes account ID information and / or account attribute information.

  In actual application, for each data interaction processing channel, the processing history record matching the data interaction processing channel is derived from the processing history record corresponding to the data interaction processing mode determined to process the service processing request of the user terminal. , May be acquired. The acquired processing history record includes a plurality of records, and each record reflects one processing procedure and its result. As more records are collected from the acquired processing history records, the calculated processing success rate becomes more accurate. In actual application, when the data interaction processing mode matches the data interaction processing channel, preferably the processing that matches the account ID information held in the service processing request to determine the processing success rate of the data interaction processing channel A history record may be selected. If there are few process records that match the account ID information, a process record that matches the account attribute information associated with the service process request may be obtained to determine the processing success rate of the data interaction process channel.

  In one embodiment, when determining the processing success rate for each processing channel, the processing success rate may be predicted using a time sequence prediction method, i.e., a statistical value for the processing success rate at a series of past points in time is Calculated. The processing success rates are arranged in time order, that is, in time series, and the time-varying pattern of processing success rates is identified by analyzing the time series to obtain a model, and the service processing success rate is Based on this obtained model, it may be predicted.

  Step S205 is to adopt the data interaction processing channel having the highest processing success rate in order to process the service processing request of the user terminal from the determined data interaction processing mode.

  Hereinafter, the method according to the above-described embodiment of the present disclosure will be described in more detail regarding a specific application.

  FIG. 3 shows a flowchart of a service processing method according to an embodiment of the present disclosure. The method includes the following steps.

  Step S301 is receiving a service processing request from the user terminal by the server. Here, taking a payment request as an example of a service processing request, the service processing request from the user terminal may include payment card information, merchandise / service information, and terminal device information. Payment card information includes card brand (such as VISA, MASTERCARD, or MAESTRO), card type (such as infinite card, platinum card, gold card or regular card), card issuing bank (Wells Fargo, CITI Bank, HSBC, or Barclays Bank). Etc.) and merchant banks (such as ABC, ICBC, or DBS). The product / service information may include, for example, a merchant / server identifier, a product category, and a payment amount. The terminal device information may include, for example, the device type (PC, pad, mobile terminal, etc.), the geographical location of the payment device, and the payment time.

  For example, the service processing request from the user terminal may include the following.

  Product Information: a) Service Merchant: Merchant X; b) Merchant Category: Mobile Phone; c) Fee: $ 200 (USD).

  Terminal device information: a) Device type: Android (registered trademark) mobile phone; b) Geographic location: Russia, Samara, Samara; c) Payment time: PM 9:23 (local time).

  Payment card information: a) card issuing country: Russia; b) issuing bank: SBERBANK OF RUSSIA; c) card brand: MasterCard; d) card type: platinum card; e) card number: 546938 ****** 88888.

  Step S302 is to determine at least one data interaction processing mode candidate for processing the service processing request based on the service processing request, wherein at least one different processing parameter is between different data interaction processing modes. Exists.

A decision engine on the server combines various processing parameters. Each combination functions as a data interaction processing mode as shown in Table 1 below (the forecast period and payment success rate in Table 1 are shown in the following stages).

  In step S303, for each data interaction processing mode candidate, a processing history record that is generated within a predetermined period and matches the account information held in the data interaction processing mode and the service processing request is acquired. In addition, the processing success rate of candidates in the data interaction processing mode is determined based on the acquired processing history record. In one embodiment, the account information includes account ID information and / or account attribute information.

  In actual application, the decision engine selects a processing history record for an account (such as a credit card number) associated with the service processing request to calculate a statistic regarding the processing success rate. For example, the processing history record of the account related to the service processing request is Record 1: January 15, 2014, PM 16:45 (GMT), $ 16 (USD) per shoe on the Ali Express platform. Use; Payment by card of number (credit card number) 546938 ****** 8888 using PC in Samara, Russia, Samara; Successful payment by international card processing channel W; Record 2: ..., Etc. may be included. This account may have, for example, a total of 12 orders, and this account uses 3 payment channels for 15 payments, with a successful payment rate of 80% and a successful order. The rate accounts for 100%.

  If there are few processing history records for the payment account associated with the service processing request, that is, the number of processing records is not statistically significant, the processing success rate for the different data interaction processing modes is the same for that service processing request. Based on the processing history records of all payment accounts for the same issuing bank, the same card brand, the same card type, and the same card BIN.

  In one embodiment, this service processing success rate may be determined by time sequence prediction, i.e., statistics for the processing success rate at each past time point are calculated. These processing success rates are arranged in chronological order, that is, in time series, and the time-varying pattern of processing success rates is identified by analyzing the time series to obtain a model, and the service processing success The rate may be predicted based on this resulting model.

  As described above, Table 1 shows examples of predicted processing success rates for different data interaction processing modes. The forecast period (ie, the length of time in the statistics) corresponds to the set recent period.

  Step S304 is to transmit a parameter verification command message to the user terminal based on the processing success rate of each data interaction processing mode candidate. The parameter verification command message selects a processing parameter for the user. And / or used to instruct input of processing parameters, and step S304 is parameter information of processing parameters selected and / or input by the user and fed back through the user terminal. And determining a data interaction processing mode for processing the service processing request of the user terminal.

  According to the data in Table 1, in the case of the data interaction processing mode 1, the processing success rate is the highest. In the mode 1, the user needs to input the CVV, the billing address, and select the settlement currency. . The user will be prompted to enter the CVV and billing address and select US dollar settlement by a parameter verification command message sent to the user terminal. Here, the user may refrain from entering CVV and billing address or selecting US dollar settlement. If the user does not enter a CVV or billing address, or selects another settlement currency (such as euro settlement), various processing parameters are combined and combined with feedback information from the user terminal to create a new data interaction A processing mode needs to be formed. If the user enters CVV and billing address but is expected to choose Euro settlement, the data interaction processing mode for processing the user's service processing request is finally shown in Table 1. Thus, the data interaction processing mode 2 is determined.

  Step S305 is to determine at least one data interaction processing channel candidate that matches the data interaction processing mode determined to process the service processing request and the user terminal service processing request. The data interaction processing channel includes various service interface information for processing service processing requests.

Here, the determination engine refers to information such as the card issuing country in the service processing request, the restrictions on various processing parameters in the data interaction processing mode determined for processing the service of the user terminal, and the like as follows: Determine the matched processing channel, as shown in Table 2.

  In step S306, for each data interaction processing channel candidate, the data interaction processing channel candidate generated in a predetermined period, the account information held in the service processing request, and the user terminal service processing Obtain a processing history record that matches the data interaction processing mode determined to process the request, and determine the processing success rate of each data interaction processing channel candidate based on the acquired processing history record It is to be. In one embodiment, the account information includes account ID information and / or account attribute information.

  In actual application, the processing history record that matches each data interaction processing channel may be obtained from the processing history record corresponding to the finally determined data interaction processing mode. This success rate of processing for each data interaction processing channel may be further predicted based on the acquired processing history record. The prediction method as shown in the above embodiment may be used to predict the processing success rate in each data interaction processing mode in this embodiment. Thus, this will not be described in detail here, but an exemplary result of the prediction can be seen from Table 2.

  Step S307 is to adopt the data interaction processing channel having the highest processing success rate in order to process the service processing request of the user terminal from the determined data interaction processing mode. As shown in Table 2, data interaction processing channel 1 is selected to process the service of the user terminal.

  In one embodiment, if the success of the process is confirmed, the success information of the processing instruction may be transmitted to the user terminal. Also, information applied at this point such as data interaction processing mode and data interaction processing channel may be stored for future use when this user terminal initiates a service processing request.

  Based on the same inventive concept, the present disclosure also provides a service processing device corresponding to the service processing method. The theory of the device is similar to the service processing method described in this disclosure, and therefore implementation of the method can be found in the implementation of the device, so for that particular part of the detailed description above, I will not repeat everything.

  FIG. 4 shows the structure of the service processing device 40 in an embodiment of the present disclosure. The service processing device includes the following components.

  The receiving module 41 is configured to receive a service processing request from the user terminal.

  The first determination module 42 determines, based on the service processing request, at least one data interaction processing mode candidate for processing the service processing request, and for each data interaction processing mode candidate, The processing success rate of each data interaction processing mode candidate is determined based on the acquired processing history record. At least one different processing parameter exists between different data interaction processing modes.

  The second determination module 43 is for determining a data interaction processing mode for processing a service processing request of the user terminal based on the processing success rate of each data interaction processing mode candidate.

  In some embodiments, the first determination module 42 is further generated for each data interaction processing mode candidate within a predetermined time period, and the data interaction processing mode candidate and the service processing request. By acquiring a process history record that matches the account information held in the database, a candidate process history record in each data interaction processing mode is acquired. The account information includes, for example, account ID information and / or account attribute information.

  In some embodiments, the second determination module 43 further includes a data interaction processing mode having the highest processing success rate for processing a service processing request of the user terminal from various data interaction processing mode candidates. Is configured to select.

  In some embodiments, the second determination module 43 is further configured to send a parameter verification command message to the user terminal based on the processing success rate of each data interaction processing mode candidate, and the parameter The verification command message is used to instruct the user to select processing parameters and / or enter processing parameters. In these embodiments, the second determination module also processes the service processing request of the user terminal based on parameter information of processing parameters selected and / or entered by the user and fed back through the user terminal. Is configured to determine a data interaction processing mode.

  In some embodiments, the second determination module 43 further selects a data interaction processing mode that matches the parameter information of the processing parameter selected and / or entered by the user from at least one candidate data interaction processing mode. The highest processing to process the service processing request of the user terminal as determined and from the determined data interaction processing mode candidates that match the parameter information of the processing parameters selected and / or entered by the user It is configured to select a data interaction processing mode with a success rate.

  In some embodiments, the device further includes a third determination module 44, which is a data interaction process for the second determination module to process the service processing request of the user terminal. After determining the mode, it is used to determine at least one candidate data interaction processing channel that matches the determined data interaction processing mode for processing the service processing request and the user terminal service processing request. Further, the third determination module 44 is configured to determine the processing success rate of each data interaction processing channel candidate based on the acquired processing history record for each data interaction processing channel candidate. The data interaction processing channel includes various service interface information for processing the service processing request, and the third determination module 44 receives the service processing request of the user terminal from the determined data interaction processing mode. Is configured to employ a data interaction processing channel with the highest success rate.

  In some embodiments, the third determination module 44 is further generated for each data interaction processing channel candidate within a predetermined period of time, and the data interaction processing channel candidate and the service processing request. Process history record for each data interaction processing channel candidate by obtaining a processing history record that matches the account information held in and the data interaction processing mode determined to process the service processing request of the user terminal. Is configured to get. In one embodiment, the account information includes account ID information and / or account attribute information.

  Those skilled in the art will appreciate that embodiments of the present disclosure may take the form of a method, system, or computer program product. Accordingly, the present disclosure may have an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware embodiments. The present disclosure is also implemented in one or more computer recording media (including but not limited to disk storage, CD-ROM, and optical storage devices) with program code applicable to a computer. It may take the form of a computer program product.

  The present disclosure has been described with reference to flowcharts and / or block diagrams of methods, devices (systems) and computer program products according to embodiments herein. It should be understood that in addition to each process and / or block in the flowcharts and / or block charts, combinations thereof may be implemented by computer program instructions that are executed by one or more processors. The computer program instructions may also be provided to an embedded processor (s) in a general purpose computer, special purpose computer, or other programmable data processing device to form a machine so that the computer or other programmable The instructions executed by the data processing device may form an apparatus that implements one or more processes in the flowchart and / or functions specified in one or more blocks in the block chart.

  Those computer program instructions, which may lead the computer or other programmable data processing device to operate in a particular manner, may also be stored in computer readable memory and as a result stored in computer readable memory. The instruction may comprise a command device to generate a product, and the command device may implement one or more processes in the flowchart and / or functions specified in one or more blocks in the block chart. .

  Those computer program instructions may be read into a computer or other programmable data processing device via a memory, after which the computer or other programmable data processing device performs a series of operational steps to process by the computer. May be performed. As a result, instructions executed by a computer or other programmable device are specified in one or more processes in the flowcharts described herein, and / or in one or more blocks in the schematic structure diagram. Execution of steps for performing the functions may be provided.

  Although preferred embodiments are described herein, those skilled in the art will appreciate variations and modifications to these embodiments once they understand the basic concepts of the invention. Accordingly, the appended claims are intended to cover preferred embodiments and to cover all modifications and improvements that those skilled in the art may obtain within the scope of this disclosure. It will be apparent to those skilled in the art that modifications and improvements can be made to the present disclosure without departing from the spirit and scope of the disclosure. Therefore, if these modifications and improvements according to the present disclosure belong to the scope of the claims of the present disclosure and equivalent techniques thereof, they are also intended to be included in the present disclosure.

Claims (20)

Receiving a service processing request including data interaction processing mode information and account information from a user terminal by a server;
Determining, by the server, one or more data interaction processing mode candidates for executing the service processing request based on the service processing request, the one or more data interaction processing mode candidates Is determined from a plurality of data interaction processing modes, each of the plurality of data interaction processing modes includes a processing parameter, and at least one of the processing parameters is different from the plurality of data interaction processing modes. The data interaction processing modes differ, and each of the one or more data interaction processing mode candidates has an associated processing success rate based on a processing history record of the plurality of data interaction processing modes. To, and determining,
The server determines a data interaction processing mode candidate as a data interaction processing mode for executing the service processing request based on the processing success rate of each of the one or more data interaction processing mode candidates. A service processing method comprising: The processing history record of the one or more data interaction processing mode candidates is generated over a predetermined period and matches the data interaction processing mode information and the account information;
The service processing method according to claim 1, wherein the account information includes at least one of account ID information and account attribute information. The step of determining the data interaction processing mode further includes:
3. The method according to claim 1, further comprising: selecting a data interaction processing mode candidate having a highest processing success rate from the one or more data interaction processing mode candidates to execute the service processing request. Service processing method. The step of determining the data interaction processing mode further includes:
Transmitting a parameter verification command message to the user terminal based on the processing success rate of each of the one or more data interaction processing mode candidates, the parameter verification command message Sending, prompting to perform one or more response actions selected from the group of response actions consisting of selection of parameters and input of processing parameters;
The step of determining the one or more data interaction processing mode candidates as the data interaction processing mode for executing the service processing request is further for the parameter verification command message received from the user terminal. The service processing method according to any one of claims 1 to 3, based on parameter information in the response. The step of determining the data interaction processing mode further comprises:
Determining from the one or more data interaction processing mode candidates a data interaction processing mode that matches the parameter information in the response received from the user terminal;
Selecting the data interaction processing mode with the highest processing success rate to execute the service processing request from the determined data interaction processing mode that matches the parameter information. The service processing method described. Determining one or more data interaction processing channel candidates that match the service processing request and the determined data interaction processing mode based on the service processing request, the one or more data interaction processing Channel candidates are determined from a plurality of data interaction processing channels, each of the plurality of data interaction processing channels including service interface information for processing the service processing request, and the one or more data interaction processing channels. Determining each of the candidates has an associated processing success rate based on processing history records of the plurality of data interaction processing channels;
Selecting a data interaction processing channel candidate having the highest processing success rate as a data interaction processing channel for executing the service processing request from the one or more data interaction processing channel candidates. ,
The step of determining the one or more data interaction processing channel candidates and the step of selecting the data interaction processing channel are after the step of determining the data interaction processing mode for processing the service processing request. The service processing method according to claim 1, wherein the service processing method is executed. The processing history records of the plurality of data interaction processing channels are generated over a predetermined period of time;
A portion of the processing history record is obtained to determine the processing success rate of each of the one or more data interaction processing channel candidates, the portion of the one or more data interaction processing channels. Matches the candidate, the account information in the service processing request, and the data interaction processing mode for executing the service processing request,
The service processing method according to claim 6, wherein the account information includes at least one of account ID information and account attribute information.   The processing success rate associated with each of the one or more data interaction processing channel candidates is determined by the server based on the processing history records of the plurality of data interaction processing channels. Service processing method described in 1.   The processing success rate associated with each of the one or more interaction processing mode candidates is determined by the server based on the processing history records of the plurality of data interaction processing modes. The service processing method according to any one of claims 8 to 9. A processor;
A non-transitory memory storing instructions executable by the processor, wherein the instructions are in the service processing device,
Receiving a service processing request including data interaction processing mode information and account information from a user terminal;
Determining one or more data interaction processing mode candidates for executing the service processing request based on the service processing request, wherein the one or more data interaction processing mode candidates include a plurality of data interaction processing mode candidates; A data interaction processing mode, wherein each of the plurality of data interaction processing modes includes a processing parameter, and at least one of the processing parameters is a data interaction processing mode different from the plurality of data interaction processing modes. Each of the one or more data interaction processing mode candidates has an associated processing success rate based on a processing history record of the plurality of data interaction processing modes. And determining a data interaction processing mode candidate as a data interaction processing mode for executing the service processing request based on the processing success rate of each of the one or more data interaction processing mode candidates. ,
Let the service processing device. The processing history record of the one or more data interaction processing mode candidates is generated over a predetermined period and matches the data interaction processing mode information and the account information;
The service processing device according to claim 10, wherein the account information includes at least one of account ID information and account attribute information. The instruction to determine the data interaction processing mode is further to the service processing device,
The data interaction processing mode candidate having the highest processing success rate is selected to execute the service processing request from the one or more data interaction processing mode candidates. The service processing device described. The instruction to determine the data interaction processing mode is further to the service processing device,
Transmitting a parameter verification command message to the user terminal based on the processing success rate of each of the one or more data interaction processing mode candidates, wherein the parameter verification command message is
Selecting, sending, prompting to perform one or more response actions selected from the group of response actions consisting of selecting a processing parameter and entering a processing parameter;
The command for determining the one or more data interaction processing mode candidates as the data interaction processing mode for executing the service processing request is further received from the user terminal. 13. A service processing device according to any one of claims 10 to 12, based on parameter information in a response to a message. The instruction to determine the data interaction processing mode is further to the service processing device,
Determining from the one or more data interaction processing mode candidates a data interaction processing mode that matches the parameter information in the response received from the user terminal; and the determined data that matches the parameter information Selecting a data interaction processing mode having the highest processing success rate to execute the service processing request from the interaction processing mode;
The service processing device according to claim 13. The instructions are further transmitted to the service processing device.
Determining one or more data interaction processing channel candidates matching the service processing request and the determined data interaction processing mode based on the service processing request, wherein the one or more data interaction processing Channel candidates are determined from a plurality of data interaction processing channels, and each of the plurality of data interaction processing channels includes service interface information for processing the service processing request; and Determining a processing success rate for each of the one or more data interaction processing channel candidates based on processing history records of the plurality of data interaction processing channels; and Selecting a data interaction processing channel candidate having the highest processing success rate as a data interaction processing channel for executing the service processing request from the candidate processing processing channels;
Let
The instruction for determining the one or more data interaction processing channel candidates and the instruction for selecting the data interaction processing channel are configured to specify the data interaction processing mode for processing the service processing request. 15. A service processing device according to any one of claims 10 to 14, which is executed after an instruction to determine. The processing history records of the plurality of data interaction processing channels are generated over a predetermined period of time;
Only a portion of the processing history record is obtained to determine the processing success rate of each of the one or more data interaction processing channel candidates, the portion being the one or more data interaction processing channels. , The account information in the service processing request, and the data interaction processing mode for executing the service processing request,
The service processing device according to claim 15, wherein the account information includes at least one of account ID information and account attribute information.   The service of claim 15, wherein the processing success rate associated with each of the one or more data interaction processing channel candidates is determined based on the processing history records of the plurality of data interaction processing channels. Processing device.   18. The process success rate associated with each of the one or more data interaction processing mode candidates is determined based on the processing history record of the plurality of data interaction processing modes. The service processing device according to claim 1. Upon execution by the processor of the service processing device, the service processing device
A procedure for receiving a service processing request including data interaction processing mode information and account information from a user terminal by a server;
A procedure for determining one or more data interaction processing mode candidates for executing the service processing request by the server based on the service processing request, the candidate for the one or more data interaction processing modes. Is determined from a plurality of data interaction processing modes, each of the plurality of data interaction processing modes includes a processing parameter, and at least one of the processing parameters is different from the plurality of data interaction processing modes. The data interaction processing modes differ, and each of the one or more data interaction processing mode candidates has an associated processing success rate based on a processing history record of the plurality of data interaction processing modes. To, and procedures to determine,
The server determines a data interaction processing mode candidate as a data interaction processing mode for executing the service processing request based on the processing success rate of each of the one or more data interaction processing mode candidates. And a computer program for executing the procedure including the procedure. The procedure further comprises:
A procedure for determining one or more data interaction processing channel candidates that match the service processing request and the determined data interaction processing mode based on the service processing request, wherein the one or more data interaction processing Channel candidates are determined from a plurality of data interaction processing channels, each of the plurality of data interaction processing channels including service interface information for processing the service processing request, and the one or more data interaction processing channels. Each of the candidates is determined based on a processing history record of the plurality of data interaction processing channels and has an associated processing success rate; and
Selecting a data interaction processing channel candidate having the highest processing success rate from among the one or more data interaction processing channel candidates as a data interaction processing channel for executing the service processing request,
The step of determining the candidate for the one or more data interaction processing channels and the step of selecting the data interaction processing channel are performed after the step of determining the data interaction processing mode for processing the service processing request. The computer program according to claim 19, executed.

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